Texas National Bank of Jacksonville
Jacksonville, TX · Cert 26181 · Peer group: banks under $1B in assets in TX (n=208-211) · East Texas Financial Corp.
National charter · OCC · 1 affiliate bank · 9 branches (20 in holding)
Q2 2026
$852.4MAssets
$654.0MLoans
$765.7MDeposits
$84.1MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 61% of banks under $1B in assets in TX (rank 83 of 211).
- Widest gap: return on equity trails 97% of banks under $1B in assets in TX (rank 204 of 211).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.34%
Rank 202 of 211
Net Interest Margin
3.97%
Rank 94 of 211
Efficiency Ratio
90.24%
Rank 196 of 211
Equity / Assets
9.86%
Rank 144 of 211
Non-interest income vs. expense
Unfavorable gap of $30.3M · efficiency ratio beats 8% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.34% | 0.87% | 1.20% | 1.65% | Beats 4% | 202 / 211 | | |
| Return on Equity | -3.40% | 7.52% | 11.67% | 14.58% | Beats 3% | 204 / 211 | | |
| Net Interest Margin | 3.97% | 3.28% | 3.82% | 4.31% | Beats 55% | 94 / 211 | | |
| Efficiency Ratio | 90.24% | 53.01% | 64.18% | 73.65% | Beats 8% | 196 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.01% | 0.30% | 1.10% | Beats 27% | 153 / 208 | | |
| Net Charge-Offs / Loans | 0.23% | 0.00% | 0.01% | 0.06% | Beats 7% | 195 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 15.31% | 11.72% | 14.45% | 19.57% | Beats 57% | 91 / 211 | | |
| Total Risk-Based Capital Ratio | 16.57% | 11.94% | 14.78% | 20.30% | Beats 61% | 83 / 211 | | |
| Equity / Assets | 9.86% | 9.41% | 11.06% | 12.94% | Beats 32% | 144 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.41% | 45.39% | 66.56% | 82.03% | 81st pctl | 39 / 208 | | |
| Loans / Assets | 76.72% | 39.13% | 56.90% | 70.46% | 88th pctl | 26 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |